Minor bump agreed to pay cash but now ignoring me

dacouch

You can find out who his Insurers are for a very small fee here https://www.askmid.com they will even give you his policy numbers and the phone number for his Insurers.

Just contact his Insurers who will then contact their client and start the ball rolling.

If you claim directly from his Insurance you do not need to pay your excess

Aretnap

Weave wrote: »

The reason I decided not to claim through my insurance immediately was because the damage was minimal and although this is a 'no fault' claim I believe the insurance companies will still hold it against me when it comes to renewal. You may disagree with this last point but I think any claim is counted against you when they assess your risk to them. In the long run, in my opinion, making a claim would end up costing me £150 at least in higher insurance premiums over the next year or two. Especially if he turns out not to be insured.

Depends on the insurer and on your own circumstances. I had a play on a price comparison site a while ago, and found that a recent £1000 no fault accident would put my own cheapest quote up by about £4 - hardly a reason not to claim for it. Your mileage may vary, of course.

For future reference, you can find out the other guy's insurance details from AskMID for a nominal fee.

Still, now that you've renewed without declaring the accident, making a claim and thus having a record of it floating around out there could come back and bite you to the tune of a lot more than £150, so I agree that your best option at this point is to (1) hassle him a bit more and (2) when that doesn't work, pay the £150 to get it fixed yourself and file under "lessons learned".

FiremanDave

dacouch wrote: »

You can find out who his Insurers are for a very small fee here https://www.askmid.com they will even give you his policy numbers and the phone number for his Insurers.

Just contact his Insurers who will then contact their client and start the ball rolling.

If you claim directly from his Insurance you do not need to pay your excess

But then opens up a can of worms.

Weave

Agreed - going to try hassling him for a few weeks before I chalk it up to experience.

gilbert_and_sullivan

I'm sorry you found yet another one of the many million dishonourable cretins scrabbling around barely up on their two hind legs.

They seem to be in a majority now, every time i've given someone the benefit of the doubt, without fail they prove themselves untrustworthy, just like our leading politicians.

AdrianC

OddballJamie wrote: »

I remember when Clarkson printed his bank details thinking they were completely safe. Then unexpectedly made a large donation of £500 to the British Diabetic Association. :rotfl:

Go and look at your cheque book. Every single cheque has your bank account number and sort code on.

Now go and look at your electricity bill, gas bill, almost any commercial invoice. They have bank account details on.

If somebody DID maliciously (or in error) set up a DD, and it didn't get checked, the only person who would lose out would be the recipient, because they wouldn't get their bank charges back when the transaction was unwound under the DD guarantee.

arcon5

AdrianC wrote: »

Go and look at your cheque book. Every single cheque has your bank account number and sort code on.

Now go and look at your electricity bill, gas bill, almost any commercial invoice. They have bank account details on.

If somebody DID maliciously (or in error) set up a DD, and it didn't get checked, the only person who would lose out would be the recipient, because they wouldn't get their bank charges back when the transaction was unwound under the DD guarantee.

I'm sure there would be some kind of rules surrounding negligence and the account holders duty of care.

AdrianC

arcon5 wrote: »

I'm sure there would be some kind of rules surrounding negligence and the account holders duty of care.

If there is, then divulging your account number doesn't count... Like I said, go and look at every single cheque you hand out. Or, probably, the bottom of your debit card.

FiremanDave

AdrianC wrote: »

If there is, then divulging your account number doesn't count... Like I said, go and look at every single cheque you hand out. Or, probably, the bottom of your debit card.

Can remember the last time I used a cheque.

teffers

arcon5 wrote: »

I'm sure there would be some kind of rules surrounding negligence and the account holders duty of care.

Even if there were, and there may well be a catch-all clause of treating your account details with care, then passing the sort code and account number to someone to make a payment would fall into the area of normal use. It's how direct to bank payments are made